Short Term Disability Insurance Overview

Why should I consider supplemental coverage? You can use the weekly benefit to help pay for things like medical bills, rent or mortgage, and groceries while you are disabled. Payroll deduction means you don't have to worry about another bill. Work with your own dedicated claim analyst throughout your leave. How much coverage do I get? Your employer believes in the importance of Short Term Disability Income Insurance and is giving you the option to elect coverage in the following amount[s]: ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies When you become disabled, you must complete the benefit waiting period indicated below before benefits are payable: 7 days if your disability is caused by an accidental injury. 7 days if your disability is caused by a sickness. A waiting period is the amount of time that must pass before your weekly benefits will begin. Group Name: Ball State University Group Number: 752151 Class: All Benefit Eligible Employees Excluding Service Personnel Short Term Disability Insurance Help minimize the financial impact of leave or unexpected illness What is Short Term Disability Income Insurance? There may come a time when you’re unable to work due to a disability – maybe due to maternity leave, or planned surgery, or even an unexpected illness or injury. If you find yourself in a situation like this, Short Term Disability Income Insurance could help replace part of your income while you’re not working for a short period of time. Coverage Amount 60% of your weekly earnings Benefit Minimum: $25 Benefit Maximum: $1,500 How long can benefit payments last? The maximum benefit period is 13 weeks. Do I have to answer health questions to enroll? You do not need to provide evidence of insurability to be covered. How much does it cost? Rates shown are guaranteed until: 01/01/2030. Your premiums are deducted on a post-tax basis. Your eligible annual earnings are the salary or wage you receive from your employer. It does not include bonuses, commissions, or overtime pay. The cost is calculated based on your age at the start of the plan’s current policy year. Short Term Disability rates Age Monthly rate per $10 of benefit Under 25 $.570 25-29 $.679 30-34 $.641 35-39 $.451 40-44 $.317 45-49 $.367 50-54 $.420 55-59 $.535 60-64 $.624 65-69 $.743 70+ $.802

Exclusions and limitations We won’t pay benefits if your disability is caused by, contributed to by, or results from any of the following: • Subject to the applicable law in the state where the Policy is delivered or issued for delivery, commission or attempt to commit a felony or illegal activity. • Engaging in any illegal occupation, work or employment. • Operating a motorized vehicle while under the influence of alcohol as evidenced by a blood alcohol level at or in excess of the state legal intoxication limit as defined by the state law where the disability occurs. • Intentionally self-inflicted harm. • Attempted suicide, regardless of mental capacity. • Participation in a war, declared or undeclared, or any act of war. An act of war is military activity by one or more national governments and does not include terrorist acts, other random acts of violence not perpetrated by you, or civil war or community faction. • Active duty as a member of the armed forces of any nation. However, we will refund, upon written notice of such service, any Premium which has been accepted for any period not covered as a result of this exclusion. • Active participation in a riot, insurrection or terrorist activity, but not including civil commotion, disorder, injury as an innocent bystander, or injury because of self-defense. • Subject to the applicable law in the state where the Policy is delivered or issued for delivery, voluntary intake of any narcotic or other controlled substance, unless the narcotic or controlled substance is taken under the direction of and as directed by a doctor. • Voluntary intake of poison, drugs or fumes, unless a direct result of an occupational accident. • Cosmetic surgery except when required for your appropriate care as a result of your injury or sickness; cosmetic surgery shall not include (1) reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, (2) reconstructive surgery because of congenital disease or anomaly resulting in a functional defect and (3) surgery necessitated by gender dysphoria. • Traveling in any aircraft other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline. • Traveling in any aircraft (or device) used for testing or an experimental purpose, used by or for any military authority, or used for travel beyond the earth’s atmosphere. • Hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing. • Participation in recreational motor sports events, racing, speed or endurance contest (auto, truck, cycle or boat), rock or mountain climbing, skin or scuba diving, or bungee jumping. • Participation in any sport for wage, compensation or profit. • Occupational sickness or injury We will not pay a benefit for any period of Disability during which you are incarcerated. Pre-existing conditions: We won’t pay benefits if your disability is due to a pre-existing condition, and you became disabled during the first 12 months following the effective date of your coverage. A pre-existing condition is any condition for which you have done any of the following at any time during the 3 months just prior to your effective date of coverage, whether or not that condition is diagnosed, undiagnosed or misdiagnosed: • Received medical treatment or consultation. • Taken or were prescribed drugs or medicine. • Received care or services, including diagnostic measures. Your benefits may be reduced by other income you are eligible to receive while disabled. Limitations and exclusions will vary by state and by your employer’s benefit plan. If you were previously declined for coverage by the insurance company, you are not eligible for this one-time offer.

This is a summary of benefits only. A complete description of benefits limitations exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents the policy documents will govern. To keep coverage in force premiums are payable up to the date of coverage termination. Short Term Disability Income Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis MN) a member of the Voya® family of companies. Policy form HP08GP, RL-STD-POL-19, and RL-STD-POL-20 (may vary by state). Date Prepared: 09/29/2025 ©2024 Voya Services Company. All rights reserved. CN3474574_0626 3222917_060124 Questions? Enrollment instructions will be provided by your employer. If you have additional questions before you enroll, please call: • Voya Employee Benefits Customer Service at (877) 236-7564 Scan the QR code to visit your Employee Benefits Resource Center to learn more about this benefit and review instructions on how to file a claim after your effective date. https://presents.voya.com/EBRC/ballstateuniversity